they're using methods like that to deceive you? >> they're using that to friend you. they have to disclose it. that i have to disclose this is an attempt to collect a debt. they have to let you know, this is an attempt to collect a debt. so you have to be careful what's going on out there. >> how widespread is this in use? >> it's growing. i'm hearing a lot, lot more. the buzz is growing. more people are doing it thacht're say, hey, this is fair game, public domain, anything you put out there is online. what you're putting out there, it's for the whole world to see. >> we used to talk about potential employers would check. now you're talking debt collectors. they could be doing it but we have no idea. >> in the past there was skip tracing where they would go and find you by looking at your relatives, whoever they could touch to contact you and find you. now you talk about what you've doing, freelance jobs, other things you're doing, they can go after your employer or to your employer and go to your employer and garnish your wages. >> we've got more time for this segme